403 Deer Crossing Rd, Elgin, SC 29045 Property Records

Richland County property record for 403 Deer Crossing Rd, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,729 sqft · built 2014
Lot Size	0.412 acres (17,982 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,865 (Aug 2014)
Tax Bill	$4,518 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28903-02-14`

Property Details

APN / Parcel Number

Primary APN	`28903-02-14`
Alternative APNs	`R28903-02-14` `01646936`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,729 sqft Heated Area
Gross Area	4,568 sqft
1st Floor Area	2,399 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,982 sqft (0.412 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	333 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	01646936
Street Address	403 DEER CROSSING RD
City	ELGIN
State	SC
Zip	29045-8665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 122 80.4X160.1X62.4X71X160 #SU WOODCREEK FARMS PH A9-2 #PR 440-1543
Legal Subdivision	WOODCREEK
Legal Lot Number	80,122
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2040
Census Tract	11407

Owner

Source: Richland County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	403 DEER CROSSING RD, ELGIN, SC 29045-8665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAMILY TRUST FCU
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAMILY TR FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2014 · Amount on Record
Deed Sale	Aug 25, 2014 · Amount on Record
Prior Sale	Oct 31, 2013 · Amount on Record
Deed Document Number	201461697
Deed Book / Page	1968 / 1715
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	403 DEER CROSSING RD, ELGIN, SC 29045-8665
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028850683
Date	Dec 11, 2023
Book Page	2885/683
Instrument	2023053069

Lender

Name	FAMILY TRUST FCU
Type	Credit Union
Address	ROCK HILL, SC 29730

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 30, 2033

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	403 DEER CROSSING RD, ELGIN, SC 29045-8665
Document Number	2443/1330
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 DEER CROSSING RD ELGIN SC 290458665, ELGIN, SC 29045-8665

Mortgage

Document Number	2443/1330
Date	Nov 5, 2019
Book Page	002443/001330
Instrument	83319

Lender

Name	FAMILY TR FCU
Type	Credit Union
Address	ROCK HILL, SC 29730

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,518.00 (+17.41%)	$514,100 (+2,775.28%)	$604,100 (+35.15%) Land $60,500 Building $543,600
2023	$3,848.00 (-5.29%)	$17,880 (-)	$447,000 (-)
2021	$4,063.00	$17,880	$447,000 Land $55,000 Building $392,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2015 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 93% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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